CAPITAL ONE FINANCIAL CORPORATION

2019-06-20

Fort Mohave, AZ

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-06-20

FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-20

Las Vegas, NV

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-06-20

Palos Park, IL

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble getting, activating, or registering a card
Company Response: Closed with explanation

Timely Response

2019-06-20

Plymouth, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Reporting company used your report improperly
Complaint: Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Company Response: Closed with non-monetary relief

Timely Response

2019-06-20

Monroeville, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-20

Key Biscayne, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: i have no authorized credit inquiry from 7 banks and XXXX i don't know what happened here attached have 2 images from XXXX 7 XXXX report
Company Response: Closed with non-monetary relief

Timely Response

2019-06-20

Co Spgs, CO

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-06-20

Mill Valley, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: After opening a Kohls charge card I made my first purchase in store. Around 30 days later I still had not received a bill or the card. I went in to the local retailer and let them know I hadnt received any information and ended up making a payment in store which I was told would pay my balance in full. 2 months later I received a letter saying I missed a payment. After immediately contacting them they stated it was their error and reversed late fees because they did not input my address correctly. I was under the impression that the account had XXXX $ balance
Company Response: Closed with monetary relief

Timely Response

2019-06-20

Tulsa, OK

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: A company calling itself 'XXXX XXXX ' called my son and left a message about a debt they say I owed. I called the number and they said they were collecting for Capital One. 1. They had my previous name. I was married 7 years ago and they had my previous last name. 2. They had my Social Security Number. 3. The website for the REAL XXXX XXXX has a warning about an imposter using their name to try to get money. 4. According to Capital One my credit cards under that previous name were paid off. 5. Their phone number is XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-20

Reidsville, NC

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-20

Federal, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with customer service
Complaint: Per the attached document I filed a complaint with Capital One 's leadership and XX/XX/2019 as follow. Thus far, all parties have been an unwillingness and lack of common courtesy to provide any service as it relates to my complaint. I contacted Capital One customer service on XX/XX/2019 do to these unethical acts and was told that I would be obtaining a letter within five to seven business days as it related to my concerns outlined in attached complaint. Several weeks had past and I still had not received a response regarding my complaint. Therefore, I contacted Capital One again on XX/XX/2019. I spoke with a supervisor and explained the situation and forewarn that I were in the process of filing a complaint with the CFPB due to the failure of Capital One to address my prejudicial treatment complaint. I was assure that I would be obtaining a call the following day. A couple of days past and I still had not received a call or response. I again contacted Capital One on XX/XX/2019 and was meant with additional prejudicial treatment. During my interaction with XXXX # XXXX after verifying my information through the automatic system and providing him my first and last name ; he arbitrarily declined to provide assistance. On numerous occasions I requested what was Capital One 's policy as it related to the matter and told him that he was engaging in discriminatory practices by refusing to assist me after I had already provided the last four of my social security and card number along with first and last name. XXXX # XXXX conduct was so absurd that I requested to speak with a manager. Subsequently I spoke with XXXX # XXXX who indicated that I had already provided verifying information and I did not have to provide additional information as demanded by XXXX. XXXX assured me that he would take action, however as it related to my concerns XXXX was unhelpful. The level of treatment I have obtained from Capital One is unreasonable and in the sake of customer service, no client should have to file a complaint with the CFPB for their complaints to be looked into in a fair and equitable manner.
Company Response: Closed with explanation

Timely Response

2019-06-20

Soddy Daisy, TN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Today ( XX/XX/2019 XXXX as of XXXX a debt collection company has called me from various numbers 15 times, today alone. The numbers and times are as followed : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called me twice from this number in less than a minute ) >XXXX ( XXXX ) This harassing behavior has been going on for several weeks and has been getting more frequent everyday. Yesterday ( XX/XX/2019 ) they called me 16 times, as follows : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) This behavior has been going on since the middle of XX/XX/XXXX. For the first few weeks, they only called a couple times a day, but this week they have been incessantly calling me, as you can see above. This harassing behavior isn't going to get them their money any faster. I will pay it when I can and as of now I just sold the only thing I own that has material value in order to pay rent. This harassing behavior is only causing me more emotional distress than I am already experiencing during this difficult and overwhelming time in my life and it isn't only unfair to me but it is also unfair to the poor souls that have to waste their time harassing me for the collection agency. I am unsure who the collection agency is because I can hardly understand the collectors when I am able to answer the phone ( which is rare because they are typically disrupting me at work ). However, I do know that the debt they are trying to collect is my credit card debt from Capital One. Hopefully that and the phone numbers listed above will help you to identify who the collector that is so terribly harassing me is. The collector has even called an additional 7 times just in the amount of time is has taken me to type this complain. >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) That makes 22 calls today alone. Thank you for your time. Any help is appreciated because this frequent calling is blatant harassment and is completely inappropriate.
Company Response: Closed with explanation

Timely Response

2019-06-20

Oak Park, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-20

Santa Ysabel, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Capital-One 360 : I sent {$1000.00} on XX/XX/19 to XXXX XXXX using XXXX from my 360 account after 5 day she had not recieved the money. So I call the Bank, they said it was being processed after 5 days Wow. I said Ok i will wait couple days. XXXX call me again and said she had not recieved any money yet now it's XX/XX/19. I call Capital one again the agent said it being process again 14 days processing thats to long. Of course I was very upset and demanded my money back ASAP they said they would have to make a claim this could take 10 to 45 days. To make a long story short here the person I sent the money to needed it on the XXXX, how can a Bank hold up your money 24 to 45 days? I want my money back now how can it get it?
Company Response: Closed with explanation

Timely Response

2019-06-20

Wonder Lake, IL

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Information belongs to someone else
Complaint: Capital one bank is reporting a past due charged off credit account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. My dob is XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2019-06-20

Ray, ND

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: 3 months ago I had my card issued by capital one shut off or fraudulent activity by XXXX and XXXX. When I activated the 2nd card it again was XXXX only charged by XXXX and XXXX and accepted by capital one as being valid so I shut it off again now the 3rd card I've never received interest charges have gone up late payments of been Charged to my account when there was no late fee payments made a been returned and then deducted again bank account numbers of changed when they shouldn't have, etc
Company Response: Closed with explanation

Timely Response

2019-06-20

South Florida, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XXXX XXXX has an account open under my name and social, that i never requested.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-20

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-06-20

Maynard, MA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-06-20

Cutler Bay, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-06-19

Hillsdale, NJ

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: On XX/XX/XXXX I tried to access my account to review my transactions and a message popped up saying " we can't display transactions right now. '' We're working to fix this. Please check back soon. After trying for six days I contacted customer service on XX/XX/XXXX. I was told this is a system problem and they would EXPEDITE it. I have contacted them numerous times since with the same response and NO RESULTS. Here it is almost a MONTH later with NO RESULTS.
Company Response: Closed with explanation

Timely Response

2019-06-19

Sacramento, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2019-06-19

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Account # XXXX This account was paid XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ga. XXXX XXXX Referance # XXXX XX/XX/2019 I got a call from a XXXX XXXX at XXXX. She was given the account number. She said she would contact Capital One. XXXX I got a call form XXXX XXXX at XXXX. The return phone number was XXXX. Their case number is XXXX. I spoke to a XXXX XXXX. She said was being named in a legal actions for nonpayment of this same account number. She said her office is located in Georgia. Her emplyee ID # XXXX. I was advised by XXXX XXXX XXXX to file with you.
Company Response: Closed with explanation

Timely Response

2019-06-19

VT

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: XXXX XXXX XXXXXXXX this advertisement states that one person redeemed {$110000.00} in cash back in one year at 2 % cash back. that would mean she spent close to XXXX XXXX dollars and ad a spending limit of close to {$500000.00}. this is weird and blatantly false
Company Response: Closed with explanation

Timely Response